David's Posts:

It is illegal to collect a debt which has been discharged in a bankruptcy case. Under the Bankruptcy Code, an honest debtor receives a discharge from any personal obligation for debts arising before bankruptcy. To put teeth into this discharge, the Bankruptcy Code imposes an injunction against anyone from collecting a debt. Specifically, section 524 of the Bankruptcy Code prohibits “the commencement of an action, the employment of process, or an act, to collect, recover, or offset any such debt as a personal liability of the debtor, whether or not discharge of such debt is waived.”